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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $87,982 | $92,219-4.6% | $76,767+14.6% | $135,380-35.0% |
| Participation rate | 69.2% | 79.8%-10.5pp | 77.0%-7.7pp | 82.6%-13.4pp |
| Annual return | -8.09% | 5.46%-13.5pp | 2.43%-10.5pp | 519.81%-527.9pp |
| Employer contribution / active EE | $1,449 | $3,216-54.9% | $2,485-41.7% | $4,779-69.7% |
| Participant deferral / active EE | $3,188 | $4,508-29.3% | $3,852-17.2% | $5,609-43.2% |
| Admin fee / account holder | $1,200 | $10,749-88.8% | $6,675-82.0% | $10,828-88.9% |